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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $88,139 | $100,970-12.7% | $96,576-8.7% | $137,256-35.8% |
| Participation rate | 61.9% | 82.6%-20.7pp | 81.4%-19.5pp | 80.0%-18.1pp |
| Annual return | 15.64% | 38.16%-22.5pp | 38.47%-22.8pp | 220.34%-204.7pp |
| Employer contribution / active EE | $1,234 | $3,809-67.6% | $3,553-65.3% | $4,156-70.3% |
| Participant deferral / active EE | $3,764 | $8,286-54.6% | $7,956-52.7% | $6,407-41.3% |
| Admin fee / account holder | $2,442 | $11,312-78.4% | $11,381-78.5% | $12,270-80.1% |